@Anonymous wrote:I pulled my 3B credit report from myFICO on 5/31. My EQ lists a paid bank 'charge off' with a value of $0 from last year, while EX and TU does not reflect this. This is the reason my EQ score is 80 pts less than the others. I called EQ to try to explain the situation and determine if they would remove it for me and they were unable to find any information on this negative item. The rep even read aloud all of my EQ accounts, and the charge off was not listed. She stated I do not have any negative accounts on my report. I then ordered my credit file directly from EQ to read through it myself and it was not there. So I called myFICO support and explained to her what was going on as the charge off is listed on MF but not on the EQ report I pulled directly from Equifax. The rep pulled a fresh report and the charge off was there. She placed me on hold twice, and told me to call EQ and speak with a supervisor and to ask them about my secondary file. She stated that when MF pulls your report it actually pulls from the secondary file from EQ, and when consumers pull their own report it pulls from the primary file. She said to give them a copy of the credit file from MF and show them the charge off and that they should remove it since it is not listed on my primary file. I disputed this item a few times this year and last year, but it always remained on my file from MF. What are my chances of actually getting this removed since it is not showing on my report from EQ?
NFC, I've never heard that the bureaus kept multiple files, I simply assumed that certain data (like SP's) was supressed not that a 3rd party pull was a different data set entirely. That's utter BS potentially.
Hell for science's sake I'd be calling EQ with that information and seeing what I could get from there. Also that well and truly sucks if we can't necessarily trust the 3rd party reports... that might explain the TU disappearing inquiry crap as as I know my inquiries are on my file whereas the third parties keep losing them and 2 seperate files could account for that.
Worse is that we're being scored off this secondary file if it does exist based on this theory at least for the 3rd party sites... which does a lender get as they get a sanitized (no SP's) report too: are they off the primary file which is clean or possible secondary one which is dirty in your case?
Check Credit Karma, does it show the CO on the EQ report there? That might help rule things out as they should have the same information MF does if what the MF CSR stated is correct.
ETA: If you got the 3B scores what were the TU 04, EQ 04 (FICO 5), and both the EX Risk Model v2 and EX Risk Model v3 (FICO 2 and FICO 3 on the report) scores? Is there a similar score disparity there as exists in the FICO 8 scores? If it does, sigh... and if you want to possibly play hardball for the good of humanity, if you don't have any applications coming up or otherwise don't care about the inquires, I'd go have a mortgage lender pull my scores and see what I got. I'd also order the EQ Scorepower product too and see what the score was there but that's me.
This is news to me also, and kind of strange. I haven't heard anything like this situation, in relation to the credit reports.
@Anonymous wrote:
@Revelate wrote:"ETA: If you got the 3B scores what were the TU 04, EQ 04 (FICO 5), and both the EX Risk Model v2 and EX Risk Model v3 (FICO 2 and FICO 3 on the report) scores? Is there a similar score disparity there as exists in the FICO 8 scores? If it does, sigh... and if you want to possibly play hardball for the good of humanity, if you don't have any applications coming up or otherwise don't care about the inquires, I'd go have a mortgage lender pull my scores and see what I got. I'd also order the EQ Scorepower product too and see what the score was there but that's me."
I'm fairly new to the scores mentioned above. On my report I see a section entitled "FICO Score Versions" then I see various scores for 'mortgage lending', 'auto lending', and so on....are these the scores you mentioned? I have a EQ Score 5 of 699, a TU Score 4 of 780, and an EX Score of 779. These are all from the file that was pulled on 6/4 around 01:00. And nowere on any of the EX nor TU models does it list a late payment or CO. EQ is closed on the weekends so I have to wait till Monday to give them a call back.
So I decided to log into MF and research again using the dashboard and something UNEXPECTANT happened...
MY EQ SCORE WENT UP 83 POINTS!!
To my amazement, I checked the message that corresponded to the increase and it was due to the update in my address. I updated my address on MF when I was discussing the CO with the MF CSR. Prior to that, on the phone call with the EQ CSR, I updated my address on the EQ side too. I hope my EQ socre doesn't drop. Now I don't know if MF still has the CO on my EQ file, without pulling my reports again. Has anyone had a huge score increase due to a change of address?
If there is the theoretical second file, maybe changing addresses refreshes it. I wish you could've pulled CK and seen if the issue was limited to MF or not, and I'd still call EQ and ask about secondary file but w/e.
Nothing too see I guess, moving on.
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
@Revelate wrote:"ETA: If you got the 3B scores what were the TU 04, EQ 04 (FICO 5), and both the EX Risk Model v2 and EX Risk Model v3 (FICO 2 and FICO 3 on the report) scores? Is there a similar score disparity there as exists in the FICO 8 scores? If it does, sigh... and if you want to possibly play hardball for the good of humanity, if you don't have any applications coming up or otherwise don't care about the inquires, I'd go have a mortgage lender pull my scores and see what I got. I'd also order the EQ Scorepower product too and see what the score was there but that's me."
I'm fairly new to the scores mentioned above. On my report I see a section entitled "FICO Score Versions" then I see various scores for 'mortgage lending', 'auto lending', and so on....are these the scores you mentioned? I have a EQ Score 5 of 699, a TU Score 4 of 780, and an EX Score of 779. These are all from the file that was pulled on 6/4 around 01:00. And nowere on any of the EX nor TU models does it list a late payment or CO. EQ is closed on the weekends so I have to wait till Monday to give them a call back.
So I decided to log into MF and research again using the dashboard and something UNEXPECTANT happened...
MY EQ SCORE WENT UP 83 POINTS!!
To my amazement, I checked the message that corresponded to the increase and it was due to the update in my address. I updated my address on MF when I was discussing the CO with the MF CSR. Prior to that, on the phone call with the EQ CSR, I updated my address on the EQ side too. I hope my EQ socre doesn't drop. Now I don't know if MF still has the CO on my EQ file, without pulling my reports again. Has anyone had a huge score increase due to a change of address?
If there is the theoretical second file, maybe changing addresses refreshes it. I wish you could've pulled CK and seen if the issue was limited to MF or not, and I'd still call EQ and ask about secondary file but w/e.
Nothing too see I guess, moving on.
I'll pull my CK as soon as I clock out of work. Now my curiosity has peaked. Definitely going to call EQ and inquire about the secondary file.
IF you have an account there that you refresh occassionally, see if you have it on the historical credit reports that they store as I'm guessing if it's fixed here on current scores, it's fixed there too. Regardless of number of files, MF and CK should be getting the same ones.